Archive for the ‘Uncategorized’ Category

  • Home Prices + Safe Loans = More Renters

    Sep 12, 16 • Huggy • Uncategorized1 CommentRead More »

    According to an August study released by Zillow 86% of renters don’t have the income or credit to buy a home in their local markets.  With home price increases and lenders more concerned with originating safe loans to avoid falling out of compliance and under the scrutiny of the Consumer Financial Protection Bureau many people are excluded from the home ownership conversation. While this may seem like one more post about how hard it is to get a loan what bothers me the most are hearing stories about people who never tried because they assumed it wasn’t possible for them.  Home ownership may not be possible for you today but with the right mortgage plan you’ll know exactly when that day will be.  To find out just how soon that day is in your future click here. By David Hughson Mortgage Planner 858-863-

  • Mortgage Pre Qual vs. Pre Approval

    The Skinny on Pre Qualification Getting pre-qualified is the initial step in the mortgage process, and it’s generally fairly simple. You supply a bank or lender with your overall financial picture, including your debt, income and assets. After evaluating this information, a lender can give you an idea of the mortgage amount for which you qualify. Pre-qualification can be done over the phone or on the internet, and there is usually no cost involved. Loan pre-qualification does not include an analysis of your credit report or an in-depth look at your ability to purchase a home. The Skinny on Pre Approval Getting pre-approved is the next step, and it tends to be much more involved. You’ll complete an official mortgage application, then supply the lender with the necessary documentation to perform an extensive check on your financial background and current credit rating. (Typically at this stage, you will not have found a house yet, so any reference to “property” on the application will be left blank). From this, the lender can tell you the specific mortgage amount for which you are approved. You’ll also have a better idea of the interest rate you will be charged on the loan. With pre-approval, you will receive a conditional commitment in writing for an exact loan amount, allowing you to look for a home at or below that price level. Obviously, this puts you at an advantage when dealing with a

  • [POINT LOMA | FOR SALE] 3470 Spring Tide Terrace

    3470 Spring Tide Terrace San Diego, CA 92110 Imagine Yourself Living In A Newer TownHome? Price : $484,000 Bedrooms : 2 Bathrooms : 2.00 County : San Diego Property Type : Condo, Townhome Year Built : 2006 MLS Number : 160042698 click for more information and pictures Property Description “Imagine Yourself Living In A Newer TownHome (’06), Top Floor (Living Area All On 1 Floor, Too), In A Contemporary Community With A Pool, BBQ & Play Area, An HOA UNDER $250 p/mo, ALL In Point Loma .. For Under 500k?!” *WHAT WE LOVE: *Watch Seaworld fireworks from your oversized balcony facing north (elevated way up off the street & stays cool) *BONUS 3rd BR! *Freshly updated w/ SS appliances, Maple cabinets, Granite counters & ceiling fans in every room *2 car garage w/ storage *Laundry IN UNIT!This Plogging® (property blogging) is brought to you by an Agent Marketing Plogger® Equal Housing Opportunity

  • Shop Talk – July 1st at Coronado Brewing Company Knoxville

    Jun 27, 16 • Fat Ashton • UncategorizedNo CommentsRead More »

    Shop Talk – July 1st at Coronado Brewing Company Knoxville Join us this Friday July 1st at Coronado Brewing Company (Knoxville Location) for our official unofficial meet up! Anyone in the Home business welcome (Construction, Real Estate, mortgages, you name it!) Shop Talk is simply a place for folks in the Real Estate game to get together, talk shop and learn a little bit about a the different arenas of the Real Estate world. And ovf course doing so over a couple beers on a Friday Afternoon. For more information, check out the event on our Shop Talk Facebook Page or email me at Scott@GreenMeansGrow.com

  • What Will My Mortgage Payment Be?

    Jun 20, 16 • Huggy • UncategorizedNo CommentsRead More »

    Grigory Perelman is the mathematician who solved the Poincare conjecture but I wonder if he has ever tried to figure out a home loan payment using an online mortgage calculator?  Getting a home loan is not easy.  Despite what you may read online, see on TV, or pay attention to in the mass media it’s a lot of work for both the borrower and the loan source to successfully cross the finish line.  Evidence of this can be found right from the start of one’s journey to home ownership when they ask the most common and basic home ownership question which is “what will my mortgage payment be?”.  This should be easy to figure out and you’d think that with online mortgage calculators readily available this would be a no brainer, right?  Not so fast Grigory Perelman. Try this experiment, Google mortgage calculator and see what pops up. While the difference in calculated payments can be minimal they often times vary widely.  But even with minor differences how is it different at all?  It’s math for Perelmansakes! So far we here at The GreenHouse Group have been able to calculate mortgage payments that actually are the payments our clients can expect to pay.  While that is not impressive in the slightest what is impressive is the Mortgage Plan we put together for our clients which shows them exactly what their home

  • Competition Top Concern For Home Buyers: How to Stay Competitive

    Jun 6, 16 • Fat Ashton • UncategorizedNo CommentsRead More »

    Competition Top Concern For Home Buyers: How to Stay Competitive Home buying is becoming more competitive with a depleting inventory. That means now, more than ever it’s important to write strong offers. And if you are using financing to acquire your new home, that means starting with a full pre approval. At the GreenHouse Group we always do a full income analysis, asset analysis, and identify a lender before sending your loan file through an automated underwriting system. This ensures us the highest level of confidence that our loans will close. So if you are working with a big bank, and skeptical that you were issued a letter without the above mentioned steps being taken, email me at Scott@GreenMeansGrow.com, and we’ll be happy to take a look at your situation and issue you an approval that you can shop confidently with

  • The Biggest Story of 2016

    Apr 25, 16 • Huggy • UncategorizedNo CommentsRead More »

    What is the biggest story of 2016?  Is it that interest rates are as low now as they were when they reached their bottom in the spring of 2013? No, it’s that nobody is talking about it.  I’ve been reaching out to my past clients during the first quarter and just this month I’m starting to see more activity.  Meaning, people are realizing that looking at a refinance is certainly worth their time and could save them money even if they purchased their home or refinanced in 2015. In my experience most people will qualify for the new loan which leaves the bigger question which is the value of their home. To find out free of charge if your home’s value will open an opportunity to refinance click this link.       By David Hughson Mortgage Planner 858-863-

  • Festival Of Beers

    Apr 18, 16 • CarMama • UncategorizedNo CommentsRead More »

    The Festival of Beers, now in it’s 9th year, is the perfect marriage of two of San Diego’s best known exports — music and craft beer.   San Diego is one of the most dynamic beer cities in the United States, arguably the world, with a diversity of style and technique that is unmatched.  With the participation of the El Cajon Boulevard Business Improvement Association, community business owners and local brewers and performances from local bands who match the brewers in diversity and dynamism, this event has grown into the Foundation’s largest single event fundraiser and helps keep participatory music programs active in our communities. The mission of the San Diego Music Foundation is to enrich San Diego’s diverse and creative music community through music education for youth, professional development for current and emerging industry professionals, live performances for the San Diego public, and recognition for San Diego artists of exceptional merit or service. Chartered in 1991, the San Diego Music Foundation was created to make music performance accessible to children of need in San Diego County by providing them with a hands-on vehicle, the guitar, to express themselves creatively. Over its 20+ year history, the organization has served over 60,000 K-12 students county-wide from San Onofre to San Ysidro. In subsequent years the organization has broadened its focus and service areas, providing forums to increase local musicians’ understanding of the music business,

  • Hot Picks: Homes under $250,000

    Apr 15, 16 • Greg Kuchan • Home Buyers, UncategorizedNo CommentsRead More »

    Homes Under $250,000 Brought to you by The GreenHouse Group & SearchSanDiegoHousesForSale.com   3523 43rd St $199,000-$249,000        2bed/1bath             650sqft This home is 4 blocks from University Ave in City Heights. With a little bit of TLC this could be the perfect starter home in an up in coming neighborhood!   3191 Hook Court $129,000                             2bed/1bath             1,344sqft Located on a golf course with mountain views. This home as been impeccably maintained and upgraded by the seller. Features include new countertops, new appliances, new flooring, recent roof replacement, and insulated drapes. This home comes completely furnished with a golf cart!   220 W 10th Avenue $150,000                             2bed/1bath             960sqft This home is a builder’s prime opportunity. The structure is damaged and needs to be torn down. Located in Old Escondido Historic District, the property is being sold for just the value of the land. This flat buildable plot just needs your creativity and is permitted for a 3 bedroom 2 bath home with 1270sqft.   Bonus home NOT in the video 32762 Birch Hill Rd $138,000                             544sqft This cabin is in Palomar Mountain. Maybe this is just the country boy in me always wanting a log cabin, but this seems like a great opportunity to own some property out in the woods. Close to hunting, fishing and hiking trails! The cabin has a sleeping nook with a ladder that leads to an oversized loft, you

  • FHA vs Conventional – What’s Right For You?

    Apr 11, 16 • Fat Ashton • UncategorizedNo CommentsRead More »

    FHA vs Conventional – What’s Right For You? There are a few key differences in FHA and Conventional Financing, and it can be tough to know what the right option is for you if you’re putting less than 20% Down. If that’s you, email me at; Scott@GreenMeansGrow.com and we’ll set up a FREE 1 hour mortgage planning consultation to see what option is right for you

The GreenHouse Group, Inc. | Real Estate Consulting & Mortgage Planning. "Moving People With Purpose."

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